Budgeting Smarts

How to Set Goals, Save Money, Spend Wisely, and More

From the Series USA TODAY Teen Wise Guides: Time, Money, and Relationships

  • Interest Level: Grade 8 - Grade 12   ·  
  • Reading Level: Grade 8

Budgeting. That sounds like a lot of work! But actually, budgeting is easy. You just need to make sure the money you have coming in is equal to or greater than the money you have going out. If you make a budget and stick to it, you’ll be surprised what you can accomplish. You can save money for a car or college—and still have spending money in your pocket.

This book explores budgeting from all angles. You’ll discover
• how to make your own budget—either with a computer program or with simple pen and paper.
• how to evaluate your financial goals and priorities to make sure you have money for the things you really care about.
• the ins and outs of banking, saving money, and earning interest.
• how to make smart spending decisions to make the most of your cash.
• the benefits—and the dangers—of using credit cards.

Supplemented with articles and information from USA TODAY, the Nation’s No. 1 Newspaper, Budgeting Smarts delivers solid advice and firsthand stories of real teens handling many of the same money decisions you are. Ready to wise up to budgeting? Read on!

Format List Price Your Price Qty
978-0-76138-859-3
$47.99 $35.99
Interest Level Grade 8 - Grade 12
Reading Level Grade 8
Genre Nonfiction, Young Adult
Publisher Lerner Publishing Group
Imprint Twenty-First Century Books ™
Language English
Publication Date 2012-01-01
Reading Counts! Level 9.3
BISACS YAN040000, YAN024050, YAN024000
Dewey 332.024
Graphics Full-color illustrations
Lexile 1040
Features Bibliography/further reading, Glossary, Index, Photo captions, Sidebars, Table of contents, Teaching Guides, and eSource

Author: Sandy Donovan

Sandy Donovan has written many nonfiction books for young readers.

Lerner eSource™ offers free digital teaching and learning resources, including Common Core State Standards (CCSS) teaching guides. These guides, created by classroom teachers, offer short lessons and writing exercises that give students specific instruction and practice using Common Core skills and strategies. Lerner eSource also provides additional resources including online activities, downloadable/printable graphic organizers, and additional educational materials that would also support Common Core instruction. Download, share, pin, print, and save as many of these free resources as you like!

USA TODAY Teen Wise Guides: Time, Money, and Relationships

Published collaboratively with USA TODAY newspaper, this series offers teen readers more information on how to develop key life skills such as budgeting, making money, managing conflicts, and creating positive relationships. The series… View available downloads →